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Savers Value Village, Inc. Financials

SVV
Source SEC Filings (10-K/10-Q) Data as of Apr 4, 2026 Currency USD FYE January

This page shows Savers Value Village, Inc. (SVV) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SVV FY2026

Revenue growth is being absorbed by overhead expansion and heavy reinvestment, leaving only a thin earnings payoff.

Since FY2023, revenue added $179M while net income fell by $30.5M, so extra sales are not carrying through to the bottom line. Yet operating cash flow in FY2026 was $167.3M against only $48.6M of free cash flow, which shows the business still produces cash before reinvestment but must spend a lot of it to sustain the model.

The balance-sheet signal is mixed: debt to equity improved from 2.1x in FY2023 to 1.6x in FY2026, indicating a somewhat less leveraged capital structure. But cash on hand fell from $180.0M to $85.9M, so short-term flexibility tightened even as the headline leverage ratio looked better.

A wide gross-to-operating margin gap in FY2026 — 55.3% gross versus 7.4% operating — means the core economics are much richer than the final earnings line suggests. The squeeze is happening lower down, where SG&A and depreciation burden absorb most of that gross profit before it reaches shareholders.

[ NOT FINANCIAL ADVICE ]

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 42 / 100
Financial Health Score 42/100

Scored against operating companies for FY2026. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Savers Value Village, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability
66

Savers Value Village, Inc. has an operating margin of 7.4%, meaning the company retains $7 of operating profit per $100 of revenue. This strong profitability earns a score of 66/100, reflecting efficient cost management and pricing power. This is down from 8.5% the prior year.

Growth
54

Savers Value Village, Inc.'s revenue grew 9.2% year-over-year to $1.7B, a solid pace of expansion. This earns a growth score of 54/100.

Leverage
19

Savers Value Village, Inc. has elevated debt relative to equity (D/E of 1.64), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 19/100, reflecting increased financial risk.

Liquidity
11

Savers Value Village, Inc.'s current ratio of 0.79 is below the typical benchmark, resulting in a score of 11/100. This tight liquidity could limit financial flexibility if cash inflows slow.

Cash Flow
40

While Savers Value Village, Inc. generated $167.3M in operating cash flow, capex of $118.6M consumed most of it, leaving $48.6M in free cash flow. This results in a low score of 40/100, reflecting heavy capital investment rather than weak cash generation.

Returns
63

Savers Value Village, Inc.'s ROE of 5.3% shows moderate profitability relative to equity, earning a score of 63/100. This is down from 6.9% the prior year.

Altman Z-Score Distress
1.33

Savers Value Village, Inc. scores 1.33, below the 1.81 distress threshold. This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.

Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.

Piotroski F-Score Neutral
6/9

Savers Value Village, Inc. passes 6 of 9 financial strength tests. 3 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed
7.39x

For every $1 of reported earnings, Savers Value Village, Inc. generates $7.39 in operating cash flow ($167.3M OCF vs $22.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue
$1.7B
YoY+9.2%

Savers Value Village, Inc. generated $1.7B in revenue in fiscal year 2026. This represents an increase of 9.2% from the prior year.

EBITDA
$204.6M
YoY+2.4%

Savers Value Village, Inc.'s EBITDA was $204.6M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 2.4% from the prior year.

Net Income
$22.6M
YoY-22.0%

Savers Value Village, Inc. reported $22.6M in net income in fiscal year 2026. This represents a decrease of 22.0% from the prior year.

EPS (Diluted)
$0.14
YoY-17.6%

Savers Value Village, Inc. earned $0.14 per diluted share (EPS) in fiscal year 2026. This represents a decrease of 17.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow
$48.6M
YoY+71.3%

Savers Value Village, Inc. generated $48.6M in free cash flow in fiscal year 2026, representing cash available after capex. This represents an increase of 71.3% from the prior year.

Cash & Debt
$61.6M
YoY-58.9%

Savers Value Village, Inc. held $61.6M in cash against $708.2M in long-term debt as of fiscal year 2026.

Dividends Per Share
N/A
Shares Outstanding
154M
YoY-3.0%

Savers Value Village, Inc. had 154M shares outstanding in fiscal year 2026. This represents a decrease of 3.0% from the prior year.

Margins & Returns

Gross Margin
55.3%
YoY-1.2pp

Savers Value Village, Inc.'s gross margin was 55.3% in fiscal year 2026, indicating the percentage of revenue retained after direct costs. This is down 1.2 percentage points from the prior year.

Operating Margin
7.4%
YoY-1.1pp

Savers Value Village, Inc.'s operating margin was 7.4% in fiscal year 2026, reflecting core business profitability. This is down 1.1 percentage points from the prior year.

Net Margin
1.4%
YoY-0.5pp

Savers Value Village, Inc.'s net profit margin was 1.4% in fiscal year 2026, showing the share of revenue converted to profit. This is down 0.5 percentage points from the prior year.

Return on Equity
5.3%
YoY-1.6pp

Savers Value Village, Inc.'s ROE was 5.3% in fiscal year 2026, measuring profit generated per dollar of shareholder equity. This is down 1.6 percentage points from the prior year.

Capital Allocation

R&D Spending
N/A
Share Buybacks
$45.2M
YoY+42.7%

Savers Value Village, Inc. spent $45.2M on share buybacks in fiscal year 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 42.7% from the prior year.

Capital Expenditures
$118.6M
YoY+12.1%

Savers Value Village, Inc. invested $118.6M in capex in fiscal year 2026, funding long-term assets and infrastructure. This represents an increase of 12.1% from the prior year.

SVV Income Statement

Metric Q1'27 Q4'26 Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25
Revenue $403.2M-13.2% $464.7M+8.8% $426.9M+2.3% $417.2M+12.7% $370.1M-7.9% $402.0M+1.8% $394.8M+2.1% $386.7M
Cost of Revenue $183.1M-11.6% $207.3M+10.1% $188.2M+0.7% $186.9M+10.9% $168.5M-5.4% $178.2M+4.3% $170.8M+5.0% $162.6M
Gross Profit $220.0M-14.5% $257.4M+7.8% $238.7M+3.6% $230.3M+14.2% $201.6M-65.1% $578.4M+472.6% $101.0M-1.6% $102.7M
R&D Expenses N/A N/A N/A N/A N/A N/A N/A N/A
SG&A Expenses $98.5M-1.0% $99.5M0.0% $99.5M+12.6% $88.4M+1.5% $87.1M-5.4% $92.0M+9.7% $83.9M+0.5% $83.5M
Operating Income $12.5M-71.3% $43.3M+19.2% $36.3M+6.8% $34.0M+227.0% $10.4M-68.5% $33.1M-32.0% $48.6M+51.0% $32.2M
Interest Expense N/A N/A N/A N/A N/A N/A -$15.5M+1.9% -$15.8M
Income Tax -$1.1M-110.1% $11.1M+434.9% -$3.3M-143.2% $7.7M+917.5% -$941K-119.5% $4.8M-64.9% $13.8M+118.8% $6.3M
Net Income -$5.3M-123.4% $22.4M+260.3% -$14.0M-174.0% $18.9M+500.5% -$4.7M-149.1% -$1.9M-108.7% $21.7M+123.2% $9.7M
EPS (Diluted) $-0.03 N/A $-0.09-175.0% $0.12+500.0% $-0.03 N/A $0.13+116.7% $0.06

SVV Balance Sheet

Metric Q1'27 Q4'26 Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25
Total Assets $2.0B+0.4% $2.0B+2.6% $2.0B+1.1% $1.9B+4.3% $1.9B-1.4% $1.9B-0.2% $1.9B0.0% $1.9B
Current Assets $180.0M-8.7% $197.1M+1.5% $194.3M+13.8% $170.7M+3.9% $164.3M-28.6% $230.2M+2.0% $225.8M-9.8% $250.3M
Cash & Equivalents $61.6M-28.3% $85.9M+35.2% $63.5M-10.0% $70.5M-3.4% $73.0M-51.3% $150.0M+8.9% $137.7M-14.3% $160.7M
Inventory $44.6M+7.6% $41.5M-12.6% $47.4M+10.7% $42.9M+9.6% $39.1M+14.1% $34.3M-13.5% $39.6M+5.6% $37.5M
Accounts Receivable $17.6M+3.0% $17.1M-6.7% $18.3M-4.6% $19.2M+7.8% $17.8M+6.3% $16.8M+6.8% $15.7M+14.7% $13.7M
Goodwill $673.8M-0.6% $677.9M+0.6% $673.9M-0.7% $678.9M+1.8% $667.1M+0.2% $665.5M-2.4% $682.1M+0.5% $678.9M
Total Liabilities $1.6B+0.9% $1.6B+1.9% $1.5B+2.0% $1.5B+4.9% $1.4B-1.3% $1.5B+0.5% $1.5B-0.9% $1.5B
Current Liabilities $229.3M-6.0% $244.0M+1.3% $240.9M-3.1% $248.7M+12.4% $221.3M-4.2% $231.1M+6.9% $216.2M-11.1% $243.1M
Long-Term Debt $706.8M-0.2% $708.2M-2.9% $729.2M+4.1% $700.5M+0.2% $699.3M-4.9% $735.1M0.0% $735.3M0.0% $735.6M
Total Equity $430.4M-1.2% $435.6M+5.1% $414.6M-2.1% $423.5M+2.3% $413.8M-1.9% $421.7M-2.6% $432.9M+3.2% $419.5M
Retained Earnings -$289.0M-5.8% -$273.3M+4.4% -$285.9M-5.1% -$272.0M-1.8% -$267.1M-6.6% -$250.5M-5.4% -$237.5M+1.7% -$241.6M

SVV Cash Flow Statement

Metric Q1'27 Q4'26 Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25
Operating Cash Flow $18.2M-80.0% $90.8M+319.6% $21.6M-60.3% $54.4M+12894.3% $419K-99.2% $55.8M+133.8% $23.9M-60.4% $60.4M
Capital Expenditures $28.1M-25.3% $37.6M+34.4% $27.9M-14.2% $32.6M+58.2% $20.6M-20.0% $25.7M-4.2% $26.9M-12.8% $30.8M
Free Cash Flow -$9.9M-118.5% $53.2M+944.0% -$6.3M-128.8% $21.9M+208.5% -$20.2M-167.0% $30.1M+1108.4% -$3.0M-110.1% $29.6M
Investing Cash Flow -$28.3M+23.2% -$36.8M-32.7% -$27.8M+19.5% -$34.5M-77.7% -$19.4M+23.6% -$25.4M+6.5% -$27.1M-397.8% -$5.5M
Financing Cash Flow -$14.3M+56.5% -$32.8M-11409.5% -$285K+98.8% -$24.4M+58.2% -$58.5M-368.5% -$12.5M+39.4% -$20.6M-604.4% $4.1M
Dividends Paid N/A N/A N/A N/A N/A $0 $0 $0
Share Buybacks $10.3M+7.9% $9.6M $0-100.0% $23.8M+101.0% $11.8M+10.3% $10.7M-40.6% $18.1M+530.4% $2.9M

SVV Financial Ratios

Metric Q1'27 Q4'26 Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25
Gross Margin 54.6%-0.8pp 55.4%-0.5pp 55.9%+0.7pp 55.2%+0.7pp 54.5%-89.4pp 143.9%+118.3pp 25.6%-1.0pp 26.6%
Operating Margin 3.1%-6.2pp 9.3%+0.8pp 8.5%+0.4pp 8.2%+5.3pp 2.8%-5.4pp 8.2%-4.1pp 12.3%+4.0pp 8.3%
Net Margin -1.3%-6.1pp 4.8%+8.1pp -3.3%-7.8pp 4.5%+5.8pp -1.3%-0.8pp -0.5%-6.0pp 5.5%+3.0pp 2.5%
Return on Equity -1.2%-6.4pp 5.1%+8.5pp -3.4%-7.8pp 4.5%+5.6pp -1.1%-0.7pp -0.4%-5.5pp 5.0%+2.7pp 2.3%
Return on Assets -0.3%-1.4pp 1.1%+1.8pp -0.7%-1.7pp 1.0%+1.2pp -0.3%-0.1pp -0.1%-1.3pp 1.1%+0.6pp 0.5%
Current Ratio 0.79-0.0 0.810.0 0.81+0.1 0.69-0.1 0.74-0.3 1.00-0.0 1.04+0.0 1.03
Debt-to-Equity 1.64+0.0 1.63-0.1 1.76+0.1 1.65-0.0 1.69-0.1 1.74+0.0 1.70-0.1 1.75
FCF Margin -2.5%-13.9pp 11.5%+12.9pp -1.5%-6.7pp 5.3%+10.7pp -5.5%-12.9pp 7.5%+8.2pp -0.8%-8.4pp 7.6%

Note: The current ratio is below 1.0 (0.79), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.

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Frequently Asked Questions

Savers Value Village, Inc. (SVV) reported $1.7B in total revenue for fiscal year 2026. This represents a 9.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Savers Value Village, Inc. (SVV) revenue grew by 9.2% year-over-year, from $1.5B to $1.7B in fiscal year 2026.

Yes, Savers Value Village, Inc. (SVV) reported a net income of $22.6M in fiscal year 2026, with a net profit margin of 1.4%.

Savers Value Village, Inc. (SVV) reported diluted earnings per share of $0.14 for fiscal year 2026. This represents a -17.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Savers Value Village, Inc. (SVV) had EBITDA of $204.6M in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization.

As of fiscal year 2026, Savers Value Village, Inc. (SVV) had $61.6M in cash and equivalents against $708.2M in long-term debt.

Savers Value Village, Inc. (SVV) had a gross margin of 55.3% in fiscal year 2026, indicating the percentage of revenue retained after direct costs of goods sold.

Savers Value Village, Inc. (SVV) had an operating margin of 7.4% in fiscal year 2026, reflecting the profitability of core business operations before interest and taxes.

Savers Value Village, Inc. (SVV) had a net profit margin of 1.4% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.

Savers Value Village, Inc. (SVV) has a return on equity of 5.3% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.

Savers Value Village, Inc. (SVV) generated $48.6M in free cash flow during fiscal year 2026. This represents a 71.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

Savers Value Village, Inc. (SVV) generated $167.3M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.

Savers Value Village, Inc. (SVV) had $2.0B in total assets as of fiscal year 2026, including both current and long-term assets.

Savers Value Village, Inc. (SVV) invested $118.6M in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.

Yes, Savers Value Village, Inc. (SVV) spent $45.2M on share buybacks during fiscal year 2026, returning capital to shareholders by reducing shares outstanding.

Savers Value Village, Inc. (SVV) had 154M shares outstanding as of fiscal year 2026.

Savers Value Village, Inc. (SVV) had a current ratio of 0.79 as of fiscal year 2026, which is below 1.0, which may suggest potential liquidity concerns.

Savers Value Village, Inc. (SVV) had a debt-to-equity ratio of 1.64 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.

Savers Value Village, Inc. (SVV) had a return on assets of 1.1% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.

Savers Value Village, Inc. (SVV) has an Altman Z-Score of 1.33, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

Savers Value Village, Inc. (SVV) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Savers Value Village, Inc. (SVV) has an earnings quality ratio of 7.39x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Savers Value Village, Inc. (SVV) scores 42 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.

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